Retention champions in California in 2026 so far, ranked by total volume. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of October 9, 2026, the top 3 include Brian Minkow (CMG Mortgage, Inc., NMLS #256638), Kashif Shamshad (U.S. Bank National Association, NMLS #1492490), and Gregory Krolikowski (Goldman Sachs Bank USA, NMLS #801940).
Updated · Recorded mortgage transactions typically appear in this dataset approximately 22 days after the recording date.
| Rank | Loan officer | LO NMLS | Current Lender / Broker | Lender NMLS | Location | Retained Volume | Retained Loans | Retention Rate |
|---|---|---|---|---|---|---|---|---|
| #1 | Brian Minkow | 256638 | CMG Mortgage, Inc. | 1820 | Westlake Village, CA | $113.4M | 90 | 71.4% |
| #2 | Kashif Shamshad | 1492490 | U.S. Bank National Association | 402761 | Earth City, MO | $109.7M | 71 | 85.5% |
| #3 | Gregory Krolikowski | 801940 | Goldman Sachs Bank USA | 208156 | Los Angeles, CA | $63.1M | 16 | 59.3% |
| #4 | Christopher Yu | 1006860 | U.S. Bank National Association | 402761 | Cupertino, CA | $58.5M | 37 | 64.9% |
| #5 | Bruce Brewer | 514039 | JPMorgan Chase Bank, National Association | 399798 | Houston, TX | $55.5M | 11 | 39.3% |
| #6 | Ryan Purpero | 68409 | U.S. Bank National Association | 402761 | Hopkins, MN | $55.3M | 47 | 78.3% |
| #7 | Claudia Castillo | 529944 | JPMorgan Chase Bank, National Association | 399798 | Houston, TX | $55.2M | 6 | 40.0% |
| #8 | Xiaofan Zheng | 253492 | Bank of America, N.A. | 399802 | Palo Alto, CA | $54.5M | 30 | 52.6% |
| #9 | Tomer Yeyni | 1603612 | OPTION ONE LENDING, INC. | 1101290 | Sherman Oaks, CA | $53.5M | 40 | 75.5% |
| #10 | Sheng Hua | 1552269 | U.S. Bank National Association | 402761 | Earth City, MO | $52.2M | 35 | 55.6% |
| #11 | Risha Kilaru | 249676 | OriginPoint LLC | 2185899 | San Francisco, CA | $48.5M | 38 | 38.8% |
| #12 | kory kavanewsky | 284503 | CMG Mortgage, Inc. | 1820 | Coronado, CA | $48.0M | 50 | 80.6% |
| #13 | thomas marckwardt | 242073 | CrossCountry Mortgage, LLC | 3029 | Walnut Creek, CA | $45.0M | 48 | 67.6% |
| #14 | Scott Evans | 256163 | CrossCountry Mortgage, LLC | 3029 | San Diego, CA | $44.9M | 58 | 39.7% |
| #15 | Ghazal Doustar | 585135 | U.S. Bank National Association | 402761 | Beverly Hills, CA | $44.4M | 7 | 63.6% |
| #16 | Nicole Santizo | 582907 | Guaranteed Rate, Inc. | 2611 | Los Altos, CA | $43.3M | 32 | 86.5% |
| #17 | Sherry Ho | 834686 | Citibank, NA | 412915 | Pasadena, CA | $42.1M | 35 | 54.7% |
| #18 | Tony Truong | 482997 | Bank of America, N.A. | 399802 | Foster City, CA | $40.8M | 28 | 59.6% |
| #19 | Matthew Izaddoust | 8385 | JPMorgan Chase Bank, National Association | 399798 | Mountain View, CA | $39.8M | 31 | 43.7% |
| #20 | Jose Magallanes | 491678 | CrossCountry Mortgage, LLC | 3029 | Newport Beach, CA | $39.7M | 26 | 57.8% |
| #21 | John Wade | 256688 | Golden Empire Mortgage, Inc. | 2427 | Westlake Village, CA | $36.7M | 37 | 66.1% |
| #22 | James Darr | 297090 | Citibank, NA | 412915 | Hermosa Beach, CA | $36.6M | 27 | 81.8% |
| #23 | Nader Chahine | 259628 | Citibank, NA | 412915 | Manhattan Beach, CA | $35.8M | 26 | 66.7% |
| #24 | Benjamin Lerner | 395723 | Guaranteed Rate, Inc. | 2611 | San Luis Obispo, CA | $35.4M | 40 | 70.2% |
| #25 | Michelle Kim | 410072 | HSBC Bank USA National Association | 399799 | Beverly Hills, CA | $35.4M | 3 | 23.1% |
| #26 | Khaled Tizani | 880587 | Loan Titan, Inc. | 2395836 | Pasadena, CA | $34.8M | 39 | 73.6% |
| #27 | SEUNG HO | 1169224 | JSB Mortgage Corporation | 1558084 | North Hollywood, CA | $34.6M | 31 | 62.0% |
| #28 | Ritu Chopra | 632916 | U.S. Bank National Association | 402761 | Irvine, CA | $34.3M | 31 | 60.8% |
| #29 | Louis Manfredini | 243928 | U.S. Bank National Association | 402761 | Hopkins, MN | $34.1M | 28 | 77.8% |
| #30 | Kevin Baboiyan | 1837815 | U.S. Bank National Association | 402761 | Newport Beach, CA | $33.8M | 27 | 79.4% |
| #31 | Firouzeh Ghobadian | 110501 | OriginPoint LLC | 2185899 | San Francisco, CA | $33.7M | 27 | 44.3% |
| #32 | Alber Saleh | 479975 | Wells Fargo Bank, National Association | 399801 | Corte Madera, CA | $33.2M | 18 | 43.9% |
| #33 | Nicholas Tomas | 31699 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $32.9M | 24 | 70.6% |
| #34 | Richard Ellis | 295206 | Truist Bank | 399803 | Dallas, TX | $32.8M | 25 | 75.8% |
| #35 | Mamta Madaan | 485498 | U.S. Bank National Association | 402761 | Hopkins, MN | $32.0M | 31 | 64.6% |
| #36 | Choe Hung | 450736 | U.S. Bank National Association | 402761 | Pasadena, CA | $31.0M | 31 | 58.5% |
| #37 | Steve Chen | 714948 | Wells Fargo Bank, National Association | 399801 | Sunnyvale, CA | $30.9M | 19 | 38.0% |
| #38 | Mark Delhougne | 682401 | Stifel Bank and Trust | 375103 | Saint Louis, MO | $30.8M | 23 | 95.8% |
| #39 | Sean Herrero | 900669 | CrossCountry Mortgage, LLC | 3029 | Danville, CA | $30.7M | 30 | 61.2% |
| #40 | Christopher Noceti | 360753 | JPMorgan Chase Bank, National Association | 399798 | San Francisco, CA | $30.4M | 17 | 68.0% |
| #41 | Joshua Gullick | 943522 | CrossCountry Mortgage, LLC | 3029 | San Diego, CA | $30.4M | 37 | 74.0% |
| #42 | Brady Thomas | 396946 | CMG Mortgage, Inc. | 1820 | Oakland, CA | $30.1M | 33 | 42.9% |
| #43 | Thuan Nguyen | 320775 | Loan Factory, Inc. | 320841 | San Jose, CA | $29.8M | 57 | 49.6% |
| #44 | Justin Brilman | 1137704 | loanDepot.com, LLC | 174457 | Hicksville, NY | $29.3M | 26 | 81.3% |
| #45 | RICHARD MYERS | 243493 | Zions Bancorporation, National Association | 467014 | Irvine, CA | $29.1M | 17 | 68.0% |
| #46 | Serena Cheng | 242020 | Victoria Financial Corp. | 328196 | San Gabriel, CA | $29.0M | 45 | 68.2% |
| #47 | Irma Jimenez | 1284355 | California Federal Credit Union | 401403 | San Diego, CA | $28.5M | 36 | 56.3% |
| #48 | Sahar Abassi | 419882 | U.S. Bank National Association | 402761 | Hopkins, MN | $28.2M | 18 | 75.0% |
| #49 | Lance Ray | 271157 | Guaranteed Rate, Inc. | 2611 | Corona, CA | $28.2M | 35 | 64.8% |
| #50 | Hong Sha | 235461 | HSBC Bank USA National Association | 399799 | Cupertino, CA | $27.7M | 17 | 19.1% |
These rankings are powered by MMI's nationwide residential mortgage public record dataset. MMI collects mortgage transaction data from recording jurisdictions across the United States, with an average data latency of approximately 22 days from the recording date.
Transactions are matched to NMLS identifiers for loan officers, lenders, and brokers where applicable. MMI then deduplicates, normalizes, and validates this data to create an authoritative mortgage production dataset that powers MMI's analytics, recruiting, marketing, and intelligence products.
Rankings reflect recorded mortgage transactions available to MMI at the time of the last data refresh. Recent activity may continue to update as additional transactions are recorded and processed.
TopMortgageOriginators.com. Retention Champions by Volume — California. Powered by MMI public record mortgage production data, accessed October 9, 2026. https://topmortgageoriginators.com/lo-leaderboard/california/top-retention-by-volume
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